Ireland Mortgage Calculator

See your monthly mortgage repayment, how much interest you will pay over the term and how overpayments shorten your mortgage.

Property price

€

Deposit

€

10% deposit · 90% loan-to-value

Interest rate

Mortgage term

years

More options· Repayment

Repayment type

Monthly overpayment

€

Added to every repayment

Monthly repayment

€1,616.56

€360,000 loan over 30 years

Total interest: €221,962
Total repaid: €581,962

Amount borrowed€360,000
Interest€221,962

What this means

Over 30 years you’d pay €221,962 in interest, on top of the €360,000 you borrow, if the rate stayed the same.

Early on most of each repayment is interest, so overpaying a little each month cuts the total and the time it takes. Check for early repayment charges on fixed rates first.

Next step

€19,399€9,700€0

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PrincipalInterest

Assumptions in this estimate

Assumes the same interest rate for the whole term. Fixed rates usually last a few years, then the mortgage moves to a variable rate unless you fix again.
Stamp duty (1% up to €1 million), legal fees and mortgage protection insurance are not included.

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How your repayment is calculated

Each monthly repayment covers the interest charged that month, and the rest reduces your mortgage. Early on, most of each repayment is interest; later, most of it pays down the balance. The chart shows how this changes year by year.

Overpayments

An overpayment reduces your balance straight away, so less interest is charged for the rest of the term. Check with your lender first: some fixed-rate mortgages charge a fee if you overpay more than a set amount.

Other costs of buying

Stamp duty, legal fees, valuation and survey fees, and mortgage protection and home insurance are not included.

Last updated October 13, 2026

Frequently asked questions

How much can I borrow for a mortgage in Ireland?

Under the Central Bank's mortgage rules, first-time buyers can usually borrow up to 4 times their gross income, and second and later buyers up to 3.5 times. Lenders can go above these limits for a small share of their loans.

How much deposit do I need?

For a home you'll live in, the Central Bank rules usually require a deposit of at least 10% of the price, whether or not you're a first-time buyer. Buy-to-let mortgages need at least 30%.

What are the repayments on a typical Irish home?

The median price of a home bought in Ireland in the 12 months to July 2026 was €399,999, according to the CSO. With a 10% deposit, a €360,000 mortgage over 30 years at 3.5% costs about €1,617 a month, and you pay about €222,000 in interest over the full term.

What is the average mortgage rate in Ireland?

The Central Bank's figures show an average rate of 3.48% on new Irish mortgages in July 2026. The rate you're offered depends on the lender, how long you fix for and your loan-to-value.

How much is stamp duty on a house?

Stamp duty on residential property is 1% of the price up to €1 million, 2% on the part between €1 million and €1.5 million, and 6% above that. On a new home it's charged on the price without VAT.